Humana is well known for its health insurance products, which include individual health plans, group health plans and Medicare eligible plans. Their group health plans are sold under the Humana name, and individual health plans are available from HumanaOne.
Crosspointe Insurance Advisors is pleased to offer our clients a variety of options from Humana's health insurance plans, with a focus on HumanaOne Individual Health Insurance Plans.
HumanaOne offers flexibility and a choice of healthcare providers
Humana's ChoiceCare® Network gives members access to nearly 600,000 medical providers. Their network includes more than 4,000 hospitals and 60,000+ pharmacies across the United States. Most of their plans are PPO plans (Preferred Provider Organizations), which allows members to choose any hospital or doctor they want, but Humana pays a larger percentage of in-network care.
HumanaOne Offers the following health plans for individuals and families:
Traditional Copayment Plans
A flexible copayment plan from HumanaOne allows members to choose their deductible and coinsurance options. The plan also includes copayments when visiting in-network doctor's offices for illness or injury. Coverage for preventive care, such as an annual physical exam, is also included. Individual Co-pay plans from HumanaOne come with prescription drug coverage and are the closest thing to an employer sponsored health plan.
100% After Deductible Plans
Designed to keep premiums lower for self-insured individuals, HumanaOne's "100% After Deductible" health plans offer a choice of deductible options. Once the deductible is met within a coverage year, the plan pays 100% of most in-network medical expenses. Plus, provided you used an in-network provider, these plans offer preventive care coverage before the deductible is met.
Health Savings Account Plans
Similar in many ways to the Co-Pay and 100% After Deductible plans; HumanaOne offers a range of popular Health Savings Account Plans (HSAs). These individual health plans allow members to pay for qualified medical costs from tax-free dollars that can earn interest in a Health Savings Account. Available with variety of deductibles, these plans also cover many preventive care services before the deductible is met.
Short Term Medical Plans
Do you need temporary protection from unexpected illnesses and injuries while you wait for a group health plan to start? Whether you are in between jobs or just waiting for group coverage, a short-term medical plan from HumanaOne may be the answer. Most of our clients are able to get temporary health coverage as soon as the day after they apply.
HumanaOne members get healthcare savings
Another reason to choose HumanaOne as your individual insurance provider is the value-added features their plans offer. Members get discounts on everything from vision care services to chiropractic and massage therapy. Weight loss programs, smoking cessation products and vitamins are also discounted, as well as many brand-name over the counter medications. For more information about the discounts available from HumanaOne, ask your Crosspointe Insurance Advisor.
Group Health Plans from Humana
If you are interested in Humana group health insurance for your employees, Crosspointe Insurance Advisors can help. We can help you design a plan that meets your needs and budget
Options include:
- High Deductible Health Plan (HDHP)
- PCA Plan
- CoverageFirst
- Preferred Provider Organization (PPO)
- Health Maintenance Organization (HMO)
- Point of Service (POS)
- Humana Classic
- Healthcare Flexible Spending Accounts
Crosspointe Insurance Advisors can help you design a HumanaOne or Humana health insurance plan for yourself, your family, or your employees.